Category: Money and Debt
“Money and Debt” articles dive into all things financial and legal, tackling the nitty-gritty of money matters and debt dilemmas. From understanding how to manage debt and dealing with creditors to knowing your rights as a consumer and navigating tricky financial contracts, these articles cover it all. Whether you’re looking for tips on consolidating debt or need advice on bankruptcy, this category has you covered with straightforward insights and practical advice to help you handle your money matters wisely.
How to Enforce a County Court Judgment (CCJ) in the UK
What is a CCJ? A County Court Judgment (CCJ) is a formal decision made by a county court in England, Wales, or Northern Ireland stating that someone owes you money and must repay it. If you have taken legal action because a person or business has not paid a debt, and they either admit the…
How to Complain to The Pensions Regulator (TPR)
What is The Pensions Regulator (TPR)? The Pensions Regulator (TPR) is the UK’s official body responsible for overseeing workplace pension schemes. Established under the Pensions Act 2004, TPR’s main role is to make sure that employers and those running pension schemes meet their legal duties, and that pensions are managed properly and fairly for everyone…
How to Claim Compensation for Unfair Debt Collection
Understanding Your Rights Against Unfair Debt Practices When dealing with debts, it’s important to know your rights and recognise when a creditor or debt collector is acting unfairly. Unfair debt practices are behaviours or tactics used by creditors or collection agencies that go against legal rules or ethical standards. These practices matter because they can…
How to Spot and Challenge Buy Now Pay Later Misinformation
Understanding Buy Now, Pay Later (BNPL) Misinformation Understanding Buy Now, Pay Later (BNPL) Misinformation Buy Now, Pay Later (BNPL) is a form of credit that allows you to purchase goods or services and delay payment, often spreading the cost over several weeks or months. These schemes are widely used for online and in-store shopping, promising…
How to Set Aside a CCJ: Steps, Reasons and Impact
What is a CCJ and Why Might You Want to Set It Aside? A County Court Judgment (CCJ) is a type of court order that can be issued against you in England, Wales, and Northern Ireland if you fail to repay money you owe. If a creditor takes legal action and the court decides you…
How to Complain to the Pensions Ombudsman in the UK
Understanding the Pensions Ombudsman The Pensions Ombudsman is an independent official who plays a vital role in resolving disputes about pension schemes in the UK. Acting impartially, the Ombudsman investigates complaints about the way pension schemes are run, helping individuals and employers reach fair outcomes when things go wrong. The service is free to use…
How to Complain to the Financial Ombudsman Service UK
What is the Financial Ombudsman Service? The Financial Ombudsman Service is an independent organisation set up to help people in the UK resolve disputes with financial companies – such as banks, lenders, and debt collectors – without having to go to court. This service is completely free for consumers and acts as a neutral third…
Administration Orders: A Simple Guide to UK Debt Solutions
What is an Administration Order? An administration order is a legal debt solution available in the UK for individuals who have multiple debts but are unable to pay them all at once. It is designed to help people manage their debts in a structured and affordable way, providing protection from further legal action by creditors…
How to Set Up an Informal Repayment Arrangement UK
What Are Informal Repayment Arrangements? What Are Informal Repayment Arrangements? Informal repayment arrangements are flexible agreements made directly between you and your lender to repay a debt, without going through the courts or using a formal debt solution. These arrangements are not legally binding, but they can be a practical way to manage debts if…
Bankruptcy Law in the UK: An Overview
What is Bankruptcy? Bankruptcy is a legal process that helps individuals or businesses who are unable to pay their debts. It is one of several insolvency processes available in the UK for managing serious debt problems. While insolvency is the general term for a situation where you cannot meet your financial obligations, bankruptcy specifically refers…
